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Do I Really Need Renters Insurance?

for Bradenton, Sarasota, Lakewood Ranch and Beyond
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Oct 31, 2014

When you move into a new apartment, purchasing renters insurance is probably the last thing on your mind.  In fact, less than fifty percent of renters in the US have renters insurance.

But when it comes down to it, most landlords only invest in insurance that will cover the actual structure they own, and not any of your possessions.  This means that if your stuff was damaged or stolen, their insurance wouldn’t cover it. 

If you have material possessions that you care about, and you are renting your current living space, renters insurance is a great way to protect your possessions. 

What Does It Cover?

If you are considering a renters insurance policy, the first thing you need to know is what exactly your policy will cover.  Most renters insurance policies cover:

  • Personal Property. This means that in the case of a disaster or robbery, your property could be easily replaced by your insurance company, rather than coming out of your own pocket.
  • Living Expenses.  Your insurance policy will also cover living expenses if you were forced to leave your home because of an accident.  This can lift a huge burden off your shoulders in an otherwise difficult situation.
  • Liability.  This will cover any damages you or your property (like a pet, for example) cause due to negligence.

With a thorough understanding of the benefits of renters insurance, it is easy to see why these policies are necessary for most renters.

Now that you know the importance of renters insurance, you can contact Bradenton Insurance for more information on the best policy for you!

Bradenton Insurance

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